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I'm 20, living on my own with my cousin freeloading at my house, I work Monday - Friday, 8-12 hours a day, and sometimes Saturday. I pay bills on time, and I applied for multiple credit cards, only to get declined. Now, I have also applied for a secured credit card from my own bank, and just found out I was declined there as well. I don't know what to do anymore .. I'm seriously trying to build up my credit to get a new car, but I just don't know how.. Please help me ..
I have thin files when it comes to my credit history, no credit at all.